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Medicare is the National Social Insurance program administered by US Federal Government since 1966 and currently uses about 30 private insurance companies across the United States. Medicare provides Health Care for US citizens aged 65 and older who have worked in the US and have paid into the Medicare system. Most Americans however are unaware that Medicare coverage is not available to cover health expenses during their international travel outside the US. The definition of ‘Outside the US’ refers to places other than the 50 US states, District of Columbia, the US Virgin islands, Puerto Rico, Guam, Northern Mariana islands and American Samoa.
Medicare Coverage

Medicare Coverage for International Travel

Here are some situations where Medicare cover during international travel is discussed:
  • Medicare Supplement Insurance or Medigap Policy is there to fill in the gaps in the Original Medicare Plan.
  • Medigap plans C,D,E,F,G,H,I and J provide International Travel Emergency health care received outside the US.
  • They pay 80% of the charges received for emergency care covered by Medicare in the US.
  • Call 1-800-MEDICARE to get more information.
  • If you have a Medicare Advantage plan such as HMO or PPO you may receive extra coverage services while traveling outside US but check with the Medicare Advantage plan that you have in order to know more about it.
  • Medicare coverage outside the US for International Travel is very limited.
  • Due to this limitation, it is better, safe and secure to obtain Travel Insurance which provides comprehensive good coverage for foreign travel.
  • Here at USA travel health insurance, we work with highly rated US Insurance Companies who provide International Travel Insurance plans for travel outside your home country.
  • This works ideally for US medicare insurance holders when they travel outside the United States.